HOME EMERGENCY COVER.

Underwritten by Royal & Sun Alliance Insurance plc.

Extra help in a home emergency.

Home Emergency Cover can help protect you against the cost of emergency repairs which wouldn't normally be covered by your home insurance, it can help give you peace of mind for emergencies that:

  • Make your home unsafe or insecure for you and your family
  • Cause damage to your home and its contents or
  • Result in your home losing its main source of heating, lighting or water.

If the safety of your home is at risk and you need help fast, you’ll have access to a 24 hour home emergency helpline . A skilled and reliable tradesperson will come to your home to carry out the necessary repairs up to a value of £1,000 per emergency for:

  • Total failure of electricity supply within your home
  • Repairs necessary to external doors, external windows and external locks to make your home safe or secure
  • Loss of heating or hot water due to failure or breakdown of your boiler or main heating system
  • Repairs to make the roof of your home watertight and prevent further damage.

Please note: Home Emergency Cover can only be purchased at the same time as a new Home Insurance policy, it can’t be added on to existing polices.

If you have an Ultimate Reward Current Account you will already have Home Emergency Cover.

Please note, Home Emergency Cover is not a servicing or maintenance policy so cover for routine home services or domestic appliance breakdowns is not included.

Limits, terms and exclusions apply, see our policy booklet for full details.

You can add Home Emergency Cover for just £3.30 a month (£39.60 per year).


Get a quote.

We've made it easy for you to buy great value home insurance. Compare our two levels of cover side by side when you get a quote.

  • £50 cashback when you buy a new combined buildings and contents policy, hold it for 70 days and pay your first premium. Conditions apply.
  • 10% discount if you’re a Halifax Online Banking customer. Simply sign in, get a quote and buy through Online Banking. Your discount is applied to our standard online price and excludes Home Emergency and Legal Expenses cover. Minimum premiums apply if you make a change to your premium during the year.

The two offers can be taken together.

Get a quote online Sign into Online Banking Retrieve a quote

Or call for a quote on 0800 085 6844. Lines open Mon to Fri 8am – 8pm and Sat 8am – 4pm. (Times may vary on public holidays).


Calls will be recorded and may be monitored for training and/or quality purposes.

FSCS protected


Important information

Halifax is a division of Bank of Scotland plc. Registered in Scotland No. SC327000. Registered Office: The Mound, Edinburgh EH1 1YZ. Bank of Scotland plc is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 169628.